Using banknotes is important and should be used instead of a credit card. We need to understand what not using cash is doing. When I leave home with a $50 banknote, I have $50. When I have dinner and pay the restaurant owner, they have $50. When the restaurant owner uses the $50 for a bottle of wine to take home, the wine shop has $50. When the wine shop owner then uses the $50, wherever it goes, it is still $50.
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